Bread Financial Holdings, Inc. (BFH) Stock Price & Analysis
Bread Financial Holdings, Inc. (BFH) closed at USD 101.31 on Thursday, October 15, 2026, up 2.37% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 98.96; the Oct 15, 2026 session ranged USD 98.32–101.79 on volume of 468,106 shares. Market capitalization is $3.89B, with a 52-week range of USD 58.17–114.53 (NYQ). Source: Nexqual, retrieved October 16, 2026 at 05:22 UTC.
Also available as compact Markdown for AI agents: nexqual.com/BFH.md
Key facts (BFH)
- Last four reported quarters (through Jun 30, 2026): revenue $3.96B, net income $569M (14.4% margin) (SEC filings).
- Valuation: P/E 6.8x (avg 6.7x at the last 3 fiscal year-ends).
- 2 of 80 tracked superinvestors hold BFH (13F, Q2 2026): 0 new, 0 added, 2 reduced, 0 unchanged.
- Analysts: Hold (mean 2.59 on a 1–5 scale) (17 analysts), mean target USD 114.69 (range 86–129).
- Total return with dividends: 1Y +77.8% vs S&P 500 +18.1%; 5Y +38.8% vs S&P 500 +85.1%.
- Next earnings: 2026-10-22, EPS estimate USD 3.23, revenue estimate $1.01B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (BFH)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $3.27B | $3.83B | $4.29B | $3.84B | $3.85B | $3.96B |
| Net income | $801M | $223M | $718M | $277M | $518M | $569M |
| EPS (diluted) | $16.02 | $4.46 | $14.34 | $5.49 | $10.89 | — |
| Free cash flow | $1.46B | $1.78B | — | — | — | — |
| Net margin | 24.5% | 5.8% | 16.7% | 7.2% | 13.5% | 14.4% |
| Revenue growth | -27.6% | +16.9% | +12.1% | -10.5% | +0.2% | — |
| Cash + short-term investments | $3.13B | $4.02B | $3.84B | $3.95B | $3.63B | — |
| Total debt | $7.44B | $8.01B | $5.29B | $5.56B | $4.31B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (BFH)
P/E 6.8x · P/S 1.0x · P/B 1.2x · Earnings yield 14.62% · Dividend yield (paid, TTM) 1.00% · Buyback yield (TTM) 14.36%
P/E at fiscal year-ends: Dec 2025 6.8x, Dec 2024 11.1x, Dec 2023 2.3x.
Superinvestors (SEC 13F-HR, Q2 2026) (BFH)
2 of 80 tracked investors hold BFH. Change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Bill Miller | Miller Value Partners | 3.40% | $14.4M | Reduced -31.4% |
| Richard Pzena | Pzena Investment Management | 0.10% | $35.5M | Reduced -46.6% |
Analysts (BFH)
Consensus Hold (mean 2.59 on a 1–5 scale), 17 analysts; mean target USD 114.69 (low 86, high 129).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-06 | TD Cowen | Target lowered | Hold | $114 → $111 |
| 2026-10-05 | Barclays | Target raised | Equal-Weight | $109 → $110 |
| 2026-10-01 | Evercore ISI Group | Target lowered | Outperform | $120 → $118 |
| 2026-09-11 | Wells Fargo | Initiated | Equal-Weight | $115 |
| 2026-08-25 | Wolfe Research | Upgrade | Peer Perform → Outperform | $130 |
| 2026-08-03 | UBS | Target raised | Buy | $120 → $127 |
| 2026-07-28 | Evercore ISI Group | Target raised | Outperform | $116 → $120 |
| 2026-07-24 | TD Cowen | Target raised | Hold | $103 → $114 |
| 2026-07-24 | RBC Capital | Reiterated | Sector Perform | $115 |
| 2026-07-24 | Barclays | Target raised | Equal-Weight | $104 → $109 |
| 2026-07-20 | Morgan Stanley | Target raised | Equal-Weight | $98 → $102 |
| 2026-07-07 | TD Cowen | Target raised | Hold | $95 → $103 |
Total return (dividends reinvested) (BFH)
| 1Y (from 2025-10-16) | 5Y (from 2021-10-11) | |
|---|---|---|
| Total return | +77.8% | +38.8% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | +78.2% | +6.8% |
| Volatility (annualized) | 39.8% | 46.5% |
| Max drawdown | -16.1% (Jan 2026→Jan 2026) | -68.1% (Nov 2021→May 2023) |
Key Statistics (as of October 16, 2026 at 05:22 UTC)
| Price | USD 101.31 |
|---|---|
| Change | ▲ 2.37% (up) |
| Previous Close | USD 98.96 |
| Open | USD 99.49 |
| Day Range | USD 98.32 – 101.79 |
| 52-Week Range | USD 58.17 – 114.53 |
| Volume | 468,106 shares |
| Market Cap | $3.89B |
| Exchange | NYQ |
Technical Analysis (BFH)
Nexqual's technical model rates BFH "SELL" based on 1 bullish and 4 bearish signals across 127 daily candles, as of October 16, 2026 at 05:22 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 49.27 (neutral) |
| vs SMA50 | Below (USD 105.11) |
| MACD | -1.33 (negative) |
Analyst Ratings (BFH)
Wall Street analysts rate BFH "Hold" based on 17 analysts, with a mean price target of USD 114.69 (range USD 86–129), per Nexqual as of October 16, 2026 at 05:22 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 17 |
| Mean Target | USD 114.69 |
| High Target | USD 129 |
| Low Target | USD 86 |
| Buy / Hold / Sell | 8 / 8 / 1 |
Earnings (BFH)
| Next Earnings Date | 2026-10-22 |
|---|---|
| EPS Estimate | USD 3.23 |
| Revenue Estimate | $1.01B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 3.55 vs est 2.77 ▲ beat |
| 2026-03-31 | USD 4.18 vs est 3.05 ▲ beat |
| 2025-12-31 | USD 2.07 vs est 0.48 ▲ beat |
| 2025-09-30 | USD 4.02 vs est 2.11 ▲ beat |
Source: Nexqual, October 16, 2026 at 05:22 UTC.
Financials & Fundamentals (BFH)
| Total Revenue | $2.67B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +3.80% |
| Gross Margin | +0.00% |
| Operating Margin | +28.97% |
| Profit Margin | +21.36% |
| ROE | +17.42% |
| Total Cash | $3.68B |
| Total Debt | $3.28B |
Source: Nexqual, October 16, 2026 at 05:22 UTC.
Financial Health Score (BFH)
Nexqual rates Bread Financial Holdings, Inc.'s overall financial health "Mixed" across five dimensions, as of October 16, 2026 at 05:22 UTC.
| Growth | Mixed — Revenue +0.2% YoY (annual), slow |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $3.68B cash vs $3.28B debt, net cash position |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Personal Credit Institutions) |
| Efficiency | Solid — ROE 17%, ROA 2.6% |
Ownership (BFH)
| Insider Ownership | +1.49% |
|---|---|
| Institutional Ownership | +109.74% |
| Shares Outstanding | 38.42M |
| Float | 37.74M |
| Short % of Float | +11.85% |
Source: Nexqual, October 16, 2026 at 05:22 UTC.
Leadership (BFH)
Bread Financial Holdings, Inc. is led by Ralph J. Andretta (age 64), President, CEO & Director, per Nexqual as of October 16, 2026 at 05:22 UTC.
| President, CEO & Director | Ralph J. Andretta (age 64) |
|---|---|
| Executive VP & CFO | Perry S. Beberman (age 59) |
| Executive VP & CTO | Allegra S. Driscoll (age 46) |
| Senior Vice President of Digital Strategy & Experience | Dashon Williford |
| Executive Vice President & Chief Revenue Officer | Dennis McCarthy |
Major Backers & Investors (BFH)
Notable institutional backers of Bread Financial Holdings, Inc. include American Century Companies Inc, Turtle Creek Asset Management Inc., Arrowstreet Capital, Limited Partnership, according to Nexqual as of October 16, 2026 at 05:22 UTC.
Active Investors
| Investor | Stake |
|---|---|
| American Century Companies Inc | 7.94% |
| Turtle Creek Asset Management Inc. | 3.41% |
| Arrowstreet Capital, Limited Partnership | 2.72% |
| PIMCO Equity Series-PIMCO RAE US Small Fund | 2.05% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 19.51% |
| BlackRock | 15.49% |
| Dimensional Fund Advisors | 8.05% |
| Allianz Asset Management GmbH | 4.66% |
| State Street | 4.38% |
| Geode Capital | 2.95% |
Source: Nexqual, October 16, 2026 at 05:22 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| SLM | SLM Corporation | USD 22.22 | ▼ 2.11% |
| ENVA | Enova International, Inc. | USD 177.52 | ▲ 1.45% |
| SEZL | Sezzle Inc. | USD 132.37 | ▲ 1.78% |
| NNI | Nelnet, Inc. | USD 128.02 | ▲ 0.86% |
| KLAR | Klarna Group plc | USD 13.51 | ▲ 0.97% |
| CACC | Credit Acceptance Corporation | USD 549.87 | ▲ 0.72% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 16, 2026 at 05:22 UTC. This page is informational and not investment advice.
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